• Documents Required To Buy A New Car In India

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    After a lot of research and deliberation, you finally decide on the car you want to buy. Once you seal the agreement with the car dealership, the next step would be the registration and insurance procedures. The paperwork involved in the process of registering the car can be intimidating. We have listed the processes and documents here for your reference and ease of understanding.

    Booking The Car

    When you book the vehicle, it is important to ensure that the person taking the loan gets the car registered in his/her name. If you do not adhere to this, you may face trouble at the time of registration. The documents required for booking the car are as follows:

    1. Proof of nationality - Voter ID, school certificates, or passport
    2. ID proof - Driving license, PAN Card, Passport, or Aadhaar
    3. Address proof - Electricity bill of the customer, house purchase agreement, ration card, or rent agreement (if applicable)

    You should remember to get all details in writing, including the delivery date of the vehicle, price, add-ons, accessories, and discounts availed. The down-payment made and the on-road price of the car should also be recorded in writing. Ensure that you are aware of the processes involved in situations like delay in car delivery or cancellation of booking. Also, make sure that you have all the relevant receipts, temporary Registration Certificate, PUC Certificate, owner’s manual, warranty cards, and roadside assistance number.

    Car Insurance Formalities

    Before we get to the documentation required for registering the vehicle, let us take a look at the process for narrowing down on a suitable insurance policy for your car. You should ideally compare car insurance between providers before you actually buy the car. Buying insurance from the dealership is not always the best solution as far as cost-effectiveness of the policy is concerned.

    You should be aware of the fact that it takes only a few minutes to buy insurance online. Online policies are also cheaper and easy to maintain, and these offer greater security to the buyer. Additionally, it is possible to refer to these policies whenever required - all you need is an internet connection. The chances of misplacing the documents are minimised considerably as well.

    The car insurance policy documentation is required for the registration of the vehicle. So, keep this ready in order to ensure a smooth registration process.

    Documents Required For Vehicle Registration

    After the purchase of a new vehicle, the owner must get the car registered within 7 days from the delivery date. This is mandated by Section 39 of the Motor Vehicle Act, 1988. The documents required to apply for the registration of the car are:

    1. Updated Form 20 - This is the application for the registration of a motor vehicle. A duplicate of this form with the Registering Authority’s endorsement should be returned to the financing bank at the same time
    2. Form 21 - This is the sale certificate that will be issued by the dealer or car manufacturer
    3. Form 22 - This is also referred to as the road-worthiness certificate and is provided by the vehicle manufacturer. The dealer will hand it over to the car owner when the vehicle is delivered
    4. Attested copy of the valid insurance policy
    5. Identity proof of the car owner
    6. The owner’s proof of residence
    7. PAN Card, Form 60, or Form 61, whichever is applicable
    8. In case the vehicle was imported, the customs clearance certificate will have to be enclosed along with the application
    9. Challan receipt
    10. Affidavit on a non-judicial stamp paper worth Rs.3
    11. Chassis pencil print

    In case the vehicle is under a loan, Form 34 should be signed by the financing bank and the car owner and submitted. The applicant should also pay the applicable road tax and prescribed fee. In certain cases, the fitness certificate of the vehicle will have to be submitted.

    Documents Required For Vehicle Re-Registration When Transferred Between States

    The documents needed to re-register a vehicle when it is brought from one state to another are as follows:

    1. The original state registration certificate
    2. Duplicate copy of Form 28 (NOC)
    3. Form 27 - This is related to tax
    4. Form 20
    5. An attested copy of the car owner’s address proof
    6. An attested copy of the car’s valid insurance
    7. An attested copy of the Pollution Under Control certificate
    8. For commercial vehicles the fitness certificate is needed
    9. PAN Card, Form 60, or Form 61, as applicable

    The road tax and the registration fee should be paid by the applicant. In some states, it is necessary to get clearance from the National Crime Record Bureau for re-registration of the car. The Transport Department will arrange for the Clearance Certificate.

    If the vehicle is bought through a loan, it can be endorsed in the RC. The documents for the same are as follows:

    1. Original registration certificate
    2. Two copies of Form 34 filled in
    3. An attested copy of the valid insurance policy
    4. The address proof of the owner of the vehicle, attested
    5. The PUC certificate, attested
    6. Attested PAN Card copy, Form 60, or Form 61

    The prescribed fee for the process should also be paid by the applicant.

    In case the vehicle is bought through a loan that is later repaid, this can be endorsed in the RC by submitting the documents mentioned below:

    1. Original registration certificate
    2. Two updated copies of Form 35
    3. A certificate from the financing bank stating that all dues have been paid
    4. Valid insurance copy, attested
    5. Address proof of the registered owner of the vehicle, attested
    6. PUC certificate, attested
    7. Attested copy of the owner’s PAN Card, Form 60, Form 61, as applicable
    8. NOC from the financing bank

    The prescribed fee also needs to be paid.

    Process For Obtaining Noc When The Car Is Transferred To Another State

    If the owner of the vehicle takes it to another state, the vehicle will have to be re-registered there. The NOC can be applied for through the completion of the following formalities:

    1. Application to be submitted on Form 28 - 4 copies
    2. Copy of the RC, attested
    3. Road tax payment evidence
    4. Certificate from the tax collection authority indicating that there are no tax dues
    5. Valid insurance and PUC certificate

    Car Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • Reliance General Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I was using Reliance car insurance from last 1 year, i am not satisfied with the coverage value of this insurance policy. I do not have claim experience so far with this insurance policy. A premium of Rs 20000 has to be paid for this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance with United India Insurance from last 6 months, they cover bumper to bumper as well as third party damages. I have not claimed anything so far with this insurance policy. I pay a premium of Rs 14000 which has to be paid every year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • Oriental Insurance Car Insurance
      "Good policy for car"
      0.5 4.0/5 "Great!"
      I have taken the car insurance from Oriental insurance and the premium for the policy is 6300. As the car is a second hand one there is no bumber to bumber. They only have zero depression,cashless garage, road assistance. The customer service is fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      The service of Icici Lambard car insurance service is awesome compared to others in the market. They collected all my documents directly which was an easy process. The payments are through online. It was a good experience with Icici Lambard car insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • HDFC Ergo Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Hdfc Ergo car insurance service is good. The online portal is easy for navigation with lot of good options. They never asked for any documents as it was an paperless approval. The payments are through online. It was an good experience with Hdfc Ergo car insurance service.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2018
    • Tata AIG Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with TATA AIG from last 3 months and it is a good insurance policy to use. They cover bumper to bumper as well as third party damages. I have not claimed anything so far with this insurance and i pay a premium of Rs 12000 for this insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I directly purchased my car insurance service from the showroom through Icici. The payments are through cheques. They use to intimate regularly. The payments are through cheques. The staffs where friendly during the process. It was an good experience with Icici car insurance service.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 23, 2018
    • ICICI Lombard Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have my car insured with ICICI lombard from last 7 years, my claim experience was not up to the mark with this car insurance policy as they covered only bumper to bumper damage. I got a coverage value of Rs 2000 for this claim experience. I pay a premium of Rs 6000 for this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 2 years, i am happy with the coverage value of this car insurance. I do not have claim experience so far with this car insurance. They cover bumper to bumper as well as third party damages. I pay a premium of Rs 17000 for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • ICICI Lombard Car Insurance
      "ICICI LOMBARD Car Insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with ICICI lombard and the premium is 28000. They provide bumber to bumber, road assistance, cashless garages, zero depression, accidental coverage to the first party and the third party. While comparing its a good policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 20, 2018
    • National Insurance Car Insurance
      "Good policy for car"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance from National insurance and the premium amount is 9000. There was no bumber to bumber included with this policy as it was an old car. They include accidental insurance, and third party coverage. I have to renew the policy every year.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 20, 2018
    • ICICI Lombard Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with ICICI lombard from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far with this insurance. I am not aware of the premium amount of this car insurance. They cover only bumper to bumper damages for this insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 19, 2018
    • HDFC Ergo Car Insurance
      "Car insurance with HDFC ERGO"
      0.5 5.0/5 "Blown Away!"
      I have taken the car insurance with HDFC Ergo and the yearly premium which i am paying is 20000. The provide bumber to bumber cashless garage, road assistance and accidental insurance as well. And yearly i have to renew the policy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 19, 2018
    • Shriram Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      Recently I have renewed the car insurance from the SHRIRAM GENERAL INSURANCE company. The customer support service and the response is good with the Shriram because they give reminders to renew the policy before the due date. I have paid Rs,12,000 to renew the car insurance from the SHRIRAM GENERAL INSURANCE company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 19, 2018
    • Oriental Insurance Car Insurance
      "Good car policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with ORIENTAL INSURANCE and the premium which i am paying is 14000 which i have to renew yearly.The benefits include bumber to bumber, road assistance, cashless and accidental insurance as well. I don't have any claim experience but its a good policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 18, 2018
    • Iffco Tokio Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my car insured with IFFCO TOKYO from more than 1 year, i had a very good claim experience and they covered 80-90% of the billed amount. This policy covers only bumper to bumper and third party damages. A premium of Rs 30000 has to be paid for this insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 17, 2018
    • review Car Insurance
      "Very good policy to use"
      0.5 5.0/5 "Blown Away!"
      Got the car insurance policy from the Bharathi axis general insurance company around 5 months ago. I have paid around Rs,40,000 to get this policy this year, because this policy covers bumper to bumper benefits and the policy coverage is good with this policy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 17, 2018
    • National Insurance Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I am having a car insurance with National insurance from last 10 years, i have a very good coverage value for this car insurance. I do not have any claim experience so far with this car insurance. A premium of Rs 2500-3000 has to be paid for this car insurance.
      Was this review helpful? 0
      , faridabad
      Reviewed on Apr 17, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with HDFC ERGO from last 3 years, i am happy with the coverage valye of this policy, they cover bumper to bumper as well as third party damages. I have not claimed anything so far with this insurance and the premium amount of this insurance is Rs 13000-14000.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 16, 2018
    • Reliance General Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with Reliance from last 2 years, i do not have any claim experience so far with this car insurance. I pay an insurance premium of Rs 30000 every year. I am happy with the coverage of this insurance and they cover bumper to bumper as well as third party.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 14, 2018
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